OppFi Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	3.87	7.26	-1.01	7.1	25.55	77.52
Depreciation & Amortization	0.52	0.62	0.74	0.88	0.98	0.73
Other Amortization	9.21	11.41	14.43	15.07	11.61	7.95
Asset Writedown & Restructuring Costs	0.16	-	-	0.47	-	-
Provision for Credit Losses	197.09	204.49	232.78	235.9	86.89	81.62
Loss (Gain) on Equity Investments	0.54	-0.39	-	-	-	-
Stock-Based Compensation	9.37	5.27	4.07	3.35	3.01	-
Change in Accounts Payable	-1.54	-3.56	-1.9	0.24	3.44	-3.37
Change in Other Net Operating Assets	6.24	10.66	2.11	-4.44	3.26	12.47
Other Operating Activities	158.46	88.34	47.18	-13.7	35.35	9.31
Operating Cash Flow	378.99	323.81	296.15	243.3	167.35	192.11
Operating Cash Flow Growth	21.53%	9.34%	21.72%	45.39%	-12.89%	29.00%
Capital Expenditures	-18.62	-13.01	-8.99	-13.25	-14.37	-10.72
Investment in Securities	-0.04	-15.97	-	-	-	-
Net Decrease (Increase) in Loans Originated / Sold - Investing	-272.6	-214.47	-235.3	-303.99	-185.1	-77.69
Other Investing Activities	-	-	-	-	-	-9.91
Investing Cash Flow	-291.25	-243.44	-244.29	-317.24	-199.47	-98.31
Long-Term Debt Issued	-	5.62	-	92.73	127.36	6.35
Short-Term Debt Repaid	-	-1.45	-2.58	-1.63	-	-
Long-Term Debt Repaid	-	-20	-13.17	-21.69	-4	-72.33
Total Debt Repaid	-40.84	-21.45	-15.75	-23.31	-4	-72.33
Net Debt Issued (Repaid)	-4.92	-15.83	-15.75	69.42	123.36	-65.97
Issuance of Preferred Stock	-	-	-	-	0.2	-
Issuance of Common Stock	0.43	0.29	0.39	0.13	-	-
Repurchase of Common Stock	-11.3	-4.89	-0.28	-2.46	-	-
Common Dividends Paid	-2.37	-2.37	-	-	-	-
Total Dividends Paid	-2.37	-2.37	-	-	-50.24	-15.78
Other Financing Activities	-64.56	-43.22	-11.94	-5.83	-24.49	-2.37
Financing Cash Flow	-86.77	-66.02	-27.58	61.26	48.83	-84.12
Net Cash Flow	0.96	14.35	24.27	-12.69	16.71	9.68
Free Cash Flow	360.37	310.8	287.16	230.05	152.97	181.39
Free Cash Flow Growth	19.67%	8.23%	24.82%	50.38%	-15.67%	27.49%
Free Cash Flow Margin	107.44%	112.29%	126.82%	126.54%	63.89%	96.40%
Free Cash Flow Per Share	14.42	15.43	17.52	2.73	1.81	-
Cash Interest Paid	38.4	42.57	43.73	32.09	22.04	19.97
Cash Income Tax Paid	4.82	0.48	0.07	0.36	-	-

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Financial Services template. Financial Sources.

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